Timeouts banner link to billing redirects to workspaces when the personal account is active in the org selector or you have no other organizations

[gtsiolis]

Bug description

When on user settings and you are not part of a team with a paid billing plan, there's a banner introduced in #16503 for the timeouts feature which nudges users to upgrade their billing to access custom timeouts. Cc @iQQBot @geropl @selfcontained @loujaybee

However, when you visit user preferences having the personal account as active in the org selector or you have no other organizations, clicking on the nudge link redirects users to /workspaces as /billing does not exist, only /user/billing.

This affects all users that still have a personal account, see #15665 and #15980.

Timeouts section in user settings	No credits global alert

Steps to reproduce

1. Create a new user or create a new organization and switch to the personal account.
2. Go to user settings and click on the billing link in the alert under the timeouts section.

Workspace affected

No response

Expected behavior

No response

Example repository

No response

Anything else?

No response

[gtsiolis]

Closing this as it will no longer be relevant after the changes in WEB-218.